Certificate Of Insurance Contractors
Asena Capital Insurance Services is California's trusted contractor insurance specialist for Contractors in California. We shop multiple insurance markets to find coverage options based on your trade and operations.
Insurance Coverage for Contractors in California
General Liability
Covers bodily injury and property damage claims. Required by most GCs. Minimum $1M per occurrence recommended.
Workers Compensation
Required for all CA contractors with employees. SB 1455 extends to all trades by Jan 1, 2028.
Commercial Auto
Covers work trucks, vans, and equipment vehicles. Personal auto policies exclude business use.
Contractor License Bond
Required by CSLB for all licensed contractors. A $25,000 bond is required.
Tools & Equipment
Covers tools and equipment against theft, damage, and mysterious disappearance.
Builder's Risk
Covers structures under construction against fire, theft, vandalism, and weather damage.
Frequently Asked Questions
What insurance do contractors need in California?
Contractors in California typically need General Liability (often $1M or more by contract), Workers Compensation (if you have employees), Commercial Auto (for work vehicles), and a CSLB contractor license bond.
How much does insurance cost for contractors in California?
Insurance costs vary by coverage type, payroll, revenue, and claims history. Request a quote so a broker can review available carrier options subject to underwriting.
Is workers comp required for contractors in California?
Yes. California Labor Code 3700 requires all employers with one or more employees to carry workers compensation insurance. SB 1455 extends this to all CSLB-licensed contractors by January 1, 2028.
How quickly can I get a certificate of insurance?
Once coverage is bound, COI requests are processed after the certificate-holder and endorsement requirements are confirmed. Timing is subject to policy, carrier, and underwriting requirements.
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coverage options based on your trade and operations • multiple insurance markets • • Independent broker